QUESTIONS AND ANSWERS

Get your FREE Experian credit report and score!*

CreditExpert Logo

  • Free Experian credit report*
  • Free Experian Credit Score*
  • Free email and text alerts
  • Dedicated UK based call centre

Checking your Experian credit report will not lower your score!

If you are a Credit Expert customer you can contact the customer services team with any questions specific to your credit report.

Please log in to your account and go to the contact us page to contact the member support team.

* Monthly fee applies after trial, new customers only. You may cancel your trial anytime during the 30-day trial period without charge. Free trial period starts on registration – further ID verification may be required to access the full service which may take up to 5 days.

Explore our Help Centre

Our credit report centre is full of information on what 's in your credit report and how to improve your credit rating.

Find out how to protect yourself from identity fraud and what to do if you're a victim.

Has marriage reset my credit history?

 

Hi there James,

I have been refused credit today which has never happened before. After considering why I presume the fact that I have recently got married and changed my surname might have affected this as I have not changed my surname on the electoral roll yet. I will change this immediately, however, would my new surname mean I would have to start my credit history again? I have a good credit rating and wouldn’t want to affect this. Thanks.

Laura, Redditch

 

Dear Laura,

Sorry to hear about your credit refusal. Only the lender can tell you why your application was unsuccessful so it’s certainly worthwhile asking them to shed some light on this, if you haven’t done so already. Based on what you say, it is possible that a lack of electoral roll details in your new name could have played a part, but I’m not so sure. As long as you included details of your previous name on your credit application form, the lender should have included both names on the credit check. This will have created an ‘alias’ link between the two names, ensuring that information in both names was returned on your credit report, and will be in the future. So speak to the lender to see what you can find out and have a look at your credit report to make sure everything is in order. The change to your electoral roll entry may not take effect for a few months while your local council carries out its annual canvass, but it will eventually update on your credit report. Congratulations on your recent wedding by the way! I recommend you read our Living Together guide for helpful advice about credit reports and couples, including the effect of linking up your credit report with your partner’s.

 

James Sign

  • © 2014 Experian. All rights reserved